PRIVACY POLICY
January 1, 2023
Return to Homepage: https://www.theinsurancedesk.com
Privacy Notice Statement
We are authorized to collect personally identifiable information (PII) from you by the Florida Department of Financial Services, Alabama Department of Insurance, Arkansas Insurance Department, Georgia Department of Insurance, Louisiana Department of Insurance, Michigan Department of Insurance and Financial Services, Mississippi Insurance Department, New York Department of Financial Services, Ohio Department of Insurance, South Carolina Department of Insurance, Texas Department of Insurance, and the Virginia Bureau of Insurance. Any PII we collect is used to contact prospective and current clients, find products, or plans on their behalf, and enroll them into those products or plans. These products or plans include but are not limited to Life Insurance, Health insurance, Medicare Advantage, Medicare Supplement, Dental, Vision, and all other services we offer.
If you choose to give us PII, we may share this information with insurance carriers (companies) so they can get you qualified, provide you with rates, and enroll you into a plan. PII is used or disclosed only under the following circumstances: You authorize us to help you find a policy, to provide you with quotes and options, to enroll you into a policy or product you requested, or to keep you informed of products and/or services that may be available to you.
Providing The Insurance Desk with any PII is voluntary. However, for us to help you find and enroll in a product or plan, the carriers (insurance companies) will require that we provide PII. If you choose not to provide us with the PII requested, or not to respond to certain questions, we may not be able to provide you with quotes or enroll you in any products or plans.
TCPA Consent & Privacy
Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your inquiry, client relations and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your inquiry, client relations and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.
Privacy Policy Agreement
The Insurance Desk (Insurance Desk) values its users' privacy. This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to assure those affiliated with The Insurance Desk of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards.
We reserve the right to make changes to this Policy at any given time. If you have not registered with us and want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If you are a registered user, we will notify you via email of any changes or updates made to this Policy. If at any point in time The Insurance Desk decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.
This Policy applies to The Insurance Desk, and it governs any and all data collection and usage by us. Through the use of https://www.theinsurancedesk.com, you are therefore consenting to the data collection procedures expressed in this Policy.
Please note that this Policy does not govern the collection and use of information by companies that The Insurance Desk does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and conditions of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.
Specifically, this Policy will inform you of the following:
1. What personally identifiable information is collected from you through our website;
2. Why we collect personally identifiable information and the legal basis for such collection;
3. How we use the collected information and with whom it may be shared;
4. What choices are available to you regarding the use of your data; and
5. The security procedures in place to protect the misuse of your information.
Information We Collect
It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This website collects various types of information, such as:
● Voluntarily provided information which may include your name, address, email address, billing and/or credit card information etc. which may be used when you purchase products and/or services and to deliver the services you have requested.
● Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs.
In addition, The Insurance Desk may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service.
The Insurance Desk may also deem it necessary, from time to time, to follow websites that our users may frequent to gleam what types of services and products may be the most popular to customers or the general public.
Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for in this Policy. Why We Collect Information and For How Long
We are collecting your data for several reasons:
● To better understand your needs and provide you with the services you have requested;
● To fulfill our legitimate interest in improving our services and products;
● To send you promotional emails containing information we think you may like when we have your consent to do so;
● To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;
● To customize our website according to your online behavior and personal preferences.
The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.
Use of Information Collected
The Insurance Desk does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties. The Insurance Desk may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from https://www.theinsurancedesk.com
The Insurance Desk may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current, potential, or future services that may be offered.
The Insurance Desk uses various third-party social media features including but not limited to Facebook, Instagram, LinkedIn, TikTok and other interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within The Insurance Desk's control.
Disclosure of Information
The Insurance Desk may not use or disclose the information provided by you except under the following circumstances:
● as necessary to provide services or products you have ordered;
● in other ways described in this Policy or to which you have otherwise consented;
● in the aggregate with other information in such a way so that your identity cannot reasonably be determined;
● as required by law, or in response to a subpoena or search warrant;
● to outside auditors who have agreed to keep the information confidential;
● as necessary to enforce the Terms of Service on our website;
● as necessary to maintain, safeguard and preserve all the rights and property of The Insurance Desk.
Non-Marketing Purposes
The Insurance Desk greatly respects your privacy. We do maintain and reserve the right to contact you if needed for nonmarketing purposes (such as bug alerts, security breaches, account issues, and/or changes in The Insurance Desk products and services, or changes to this Policy). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.
Children under the age of 13
The Insurance Desk's website is not directed to, and does not knowingly collect personal identifiable information from, children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.
Unsubscribe or Opt-Out
All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website please send an email that you wish to unsubscribe to info@theinsurancedesk.com. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. The Insurance Desk will continue to adhere to this Policy with respect to any personal information previously collected.
Links to Other Websites
Our website does contain links to affiliate and other websites. The Insurance Desk does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Policy applies only and solely to the information collected by our website.
Notice to European Union Users
The Insurance Desk's operations are located primarily in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.
Your Rights as a Data Subject
Under the regulations of the General Data Protection Regulation ("GDPR") of the EU you have certain rights as a Data Subject. These rights are as follows:
● The right to be informed: this means we must inform you of how we intend to use your personal data and we do this through the terms of this Policy.
● The right of access: this means you have the right to request access to the data we hold about you and we must respond to those requests within one month. You can do this by sending an email to info@theinsurancedesk.com.
● The right to rectification: this means that if you believe some of thedata we hold is incorrect, you have the right to have it corrected. You can do this by logging into your account with us, or by sending us an email with your request. You can do this by sending an email to info@theinsurancedesk.com.
● The right to erasure: this means you can request that the information we hold about you be deleted, and we will comply unless we have a compelling reason not to, in which case you will be informed of the reason. You can do this by sending an email to info@theinsurancedesk.com.
● The right to restrict processing: this means you can change your communication preferences or opt-out of certain communications. You can do this by sending an email to info@theinsurancedesk.com.
● The right of data portability: this means you can obtain and use the data we hold for your own purposes without explanation. If you wish to request a copy of your information, contact us at info@theinsurancedesk.com.
● The right to object: this means you can file a formal objection with us regarding our use of your information with regard to third parties, or its processing where our legal basis is our legitimate interest in it. To do this, please send an email to info@theinsurancedesk.com.
In addition to the rights above, please rest assured that we will always aim to encrypt and anonymize your personal information whenever possible. We also have protocols in place in the unlikely event that we suffer a data breach and we will contact you if your personal information is ever at risk. For more details regarding our security protections see the section below or visit our website at https://www.theinsurancedesk.com.
Security
The Insurance Desk takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. credit card information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the webpage.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control.
The Company also uses Secure Socket Layer (SSL) for authentication and private communications to build users' trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information.
Acceptance of Terms
By using this website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following proper notification or the posting of any updates or changes to our terms and conditions, shall mean that you agree and accept such changes.
How to Contact Us
If you have any questions or concerns regarding this Privacy Policy as it relates to our website, please feel free to contact us at the following email, telephone number or mailing address:
Email: info@theinsurancedesk.com
Telephone Number: 1-954-348-8834
Mailing Address:
The Insurance Desk
7840 Kimberly Blvd
North Lauderdale, FL 33068
The data controller responsible for your personal information for the purposes of GDPR compliance is:
Adesh Soodeen
Email: adesh@theinsurancedesk.com
Telephone Number: 1-954-348-8834